Pet Insurance | Nationwide

Pet Insurance | Nationwide
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Pet Insurance

Nationwide pet insurance helps you cover veterinary expenses so you can provide your pets with the best care possible—without worrying about the cost.
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Here's what you need to know

Pet insurance from Nationwide® can help lower the financial barriers that pet families face when it comes to getting care for their furry, feathered and scaly friends. Nationwide offers innovative pet protection options to accommodate the priorities, budget and preferences of every pet family. 

 

  • Reimbursement for eligible veterinary expenses1
  • Coverage available for accident, illness, hereditary & congenital, and wellness
  • Use any licensed veterinarian, anywhere in the world—including emergency and specialty providers
  • Multi pet discount available2

 

The voluntary benefit plans also include these additional benefits:

 

  • Up to $500 for emergency boarding and kenneling fees if pet owner is hospitalized
  • Up to $500 if a lost or stolen pet is not found within 60 days
  • Up to $500 for advertising or reward for lost or stolen pets
  • Up to $1,000 for a pet who has passed away due to injury or illness

 

Coverage available for:

 

  • Accidents & injuries 
  • Common illnesses 
  • Serious illnesses 
  • Chronic conditions 
  • Hereditary conditions 
  • Diagnostics & imaging 
  • Procedures & surgeries 
  • Specialty & emergency care 
  • Wellness and more

 

Nationwide offers more than great coverage. Additional perks once you enroll:

 

24/7 pet telehealth support 

  • All Nationwide® pet insurance members enjoy unlimited access to VetHelpline® for round-the-clock telehealth with licensed veterinary professionals. 

 

Discounted pet medications

  • Save time and money when filling pet prescriptions at participating pharmacies with Nationwide PetRxExpress®. 

 

Save on veterinary care

  • Nationwide® pet insurance members save on every visit to a Vetco Total Care Hospital or Vetco Vaccination Clinic inside Petco.

 

Vetco Total Care

  • Vetco Total Care is a full-service animal hospital that offers everything from preventive care to diagnostics and surgery. 

 

Vetco Vaccination Clinic

  • Vetco Vaccination Clinic offers express care for vaccinations, flea/tick and heartworm prescriptions and microchipping.

You work hard to provide your family with everything they need—and that includes your pets. No pet owner wants to choose between their budget and getting their furry friend the veterinary care they need. Pet insurance can help you avoid that situation.

 

A pet insurance plan from Nationwide provides options so you can find coverage that fits your budget.

 

Why Nationwide?

 

  • First and largest provider of pet health insurance in the U.S.
  • Industry-first provider of pet health coverage for birds, rabbits, reptiles and other exotic pets
  • First to offer pet insurance as a voluntary benefit more than 20 years ago—and continues to be the #1 choice
You can enroll anytime! 

These form(s) are in Adobe Acrobat Reader (PDF) format and are available for downloading and printing.

 

Nationwide® Agnostic Product Sheet

How It Works

enroll now icon Number one

Enroll your pet(s) in coverage 

Vet insurance icon Number two

Visit any vet, anywhere 

Paperwork icon Number three

Submit a claim from any device

Giving cash icon Number four

Get reimbursed for eligible expenses

You notice your dog isn't himself and he's stopped eating.

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Frequently Asked Questions

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  • Who is the provider?

    Nationwide®

    The first provider of pet health insurance in the U.S., Nationwide brings more than 40 years of pet protection experience to the table. More than half of all Fortune 500 companies and nearly 10,000 organizations across the country offer Nationwide pet insurance.

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  • Who in my family can use this program?
    While the program is only available for you to sign up through your employer, you can get quotes for all of your furry family members, dogs, cats, birds, reptiles, small mammals and other exotic pets, too.
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  • How much does this coverage cost?
    Monthly premiums for new enrollments depend on your pet’s breed and age, the type of coverage selected and your ZIP code.
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  • What if my employment status changes?
    Good news! If you leave or retire from your current employer, you can continue your coverage without interruption (subject to applicable law and the plan’s terms and conditions). Although payroll deduction will no longer be available, you can opt for other payment methods such as automatic bank account deduction or credit card billing. Higher rates may apply. 
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  • Are there other benefits included with this plan?

    Employee-only voluntary benefit plans include these additional benefits to maximize your value:

    • Emergency boarding and kenneling fees
    • Lost pet advertising and reward
    • Lost pet due to theft or straying
    • Mortality benefit
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  • When would my coverage start?
    Applications approved between the 1st and the 15th of the month become effective on the 1st of the following month. Applications approved from the 16th through the end of the month become effective on the 1st of not the following month, but the month thereafter, unless your employer has a pre-determined policy start date due to an open enrollment period.
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  • How do I file a claim? How does my veterinarian receive payment?

    It’s easy. Simply pay your vet bill and then send Nationwide a claim for reimbursement via mail, email or online. 

     

    Please allow 48 hours from the time you submit your claim for it to appear online.

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  • Are pre-existing conditions covered?
    Unfortunately, pet insurance companies generally don’t cover pre-existing conditions. However, Nationwide does allow members to request reviews of pre-existing conditions that have been cured, in which case an exception may be added so the condition would be covered.
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  • Do I need to provide my pet’s medical records to get this coverage?
    If necessary, you will be asked to give authorization to Nationwide to obtain medical records on your behalf.

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Phone Number: 1-800-626-9011

  • Legal Disclaimers

    NOTE: Voluntary benefits are made available by the applicable vendors to employees of Trane Technologies and its affiliates through the Mercer Voluntary Benefits Program. Your participation in the Mercer Voluntary Benefits Program is completely voluntary, and Trane Technologies does not sponsor, contribute to, or endorse any service or policy offered under the Mercer Voluntary Benefits Program. Further, Trane Technologies' responsibility under the Mercer Voluntary Benefits program is limited to facilitating enrollment in the various benefits offered under the Mercer Voluntary Benefits Program and coordinating payroll deductions for premium payments. Trane Technologies does not receive any compensation for making the Mercer Voluntary Benefits Program available to its employees or for collecting and remitting premiums. If you choose to purchase a service or policy under the Mercer Voluntary Benefits Program, your contract for coverage will be with each insurance provider, and your contact for policy servicing will be with the insurance provider that participates in the Mercer Voluntary Benefits Program, not Trane Technologies.

     

    1Some exclusions may apply. Certain coverages may be excluded due to pre-existing conditions. See policy documents for a complete list of exclusions and any annual limits that may apply. Plans may not be available in all states. Policy eligibility may vary.

     

    2Discount on base plans only and may vary by state. 

     

    Pet insurance products underwritten by Veterinary Pet Insurance Company (CA), Columbus, OH; National Casualty Company (all other states), Columbus, OH. Agency of Record: DVM Insurance Agency. All are subsidiaries of Nationwide Mutual Insurance Company. Subject to underwriting guidelines, review and approval. Products and discounts not available to all persons in all states. Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Nationwide, the Nationwide N and Eagle, Nationwide is on your side, My Pet Protection, Pet HealthZone, and VetHelpline are service marks of Nationwide Mutual Insurance Company. Third party marks are the property of their respective owners. ©2025 Nationwide.

  • Mercer's Role & Compensation
    View details of Mercer's disclosure of compensation